The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,793
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$278/mo
Today · 4.125%
HK$9,345
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,690/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,782
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,045
−HK$266/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,854
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,622/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,552
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,880
−HK$334/mo
Today · 4.125%
HK$11,214
baseline
▲ 0.50% · 4.625%
HK$11,896
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,428/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,739
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,054
−HK$319/mo
Today · 4.125%
HK$12,373
baseline
▲ 0.50% · 4.625%
HK$13,025
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,746/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,311
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,693
−HK$390/mo
Today · 4.125%
HK$13,083
baseline
▲ 0.50% · 4.625%
HK$13,879
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,166/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,695
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,063
−HK$372/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,196
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,870/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,828
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,320
−HK$500/mo
Today · 4.125%
HK$16,820
baseline
▲ 0.50% · 4.625%
HK$17,844
+HK$1,024/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,640/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,608
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,081
−HK$479/mo
Today · 4.125%
HK$18,560
baseline
▲ 0.50% · 4.625%
HK$19,538
+HK$978/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,120/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).